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Fair Lending Risk Assessments: Everything You Need to Know

Fair Lending Risk Assessments: Everything You Need to Know

Discover what a fair lending risk assessment entails and the key components your financial institution needs to stay compliant and proactive.

May 20, 2025 6 min read
What Is Compliance Risk?

What Is Compliance Risk?

Explore rising compliance risk concerns for financial institutions and how to navigate evolving compliance requirements.

Mar 7, 2025 9 min read
10 Best Practices for a Better Lending Compliance Program in 2025

10 Best Practices for a Better Lending Compliance Program in 2025

How can institutions enhance lending compliance management in a complex regulatory environment? Here are best practices for 2025 and beyond.

Feb 25, 2025 5 min read
1071 Update – February 2025

1071 Update – February 2025

The latest 1071 compliance updates, news, and analysis for financial institutions and small business lenders covered under the CFPB’s Section 1071 rule.

Feb 5, 2025 2 min read
Top 5 Takeaways from the 2024 Interagency Fair Lending Webinar: Redlining, HMDA Compliance & More

Top 5 Takeaways from the 2024 Interagency Fair Lending Webinar: Redlining, HMDA Compliance & More

Learn about the emerging fair lending risks regulators are evaluating and effective strategies for mitigating risk. 

Jan 7, 2025 5 min read
Navigating Compliance Challenges: Lessons from Credit Union Enforcement Actions

Navigating Compliance Challenges: Lessons from Credit Union Enforcement Actions

Learn from the mistakes of credit unions and explore how your financial institution can mitigate risk and elevate your compliance program. 

Dec 11, 2024 6 min read
The Redlining Wake-Up Call: Lessons for Mortgage Lenders

The Redlining Wake-Up Call: Lessons for Mortgage Lenders

Mortgage lenders must take action to address redlining risks and ensure fair lending practices to avoid severe penalties. Learn more.

Nov 19, 2024 6 min read
Compliance for Mortgage Companies: How to Avoid Top Violations

Compliance for Mortgage Companies: How to Avoid Top Violations

Mortgage companies can avoid compliance violations with a strong compliance management system. Here’s how to do it.

Nov 12, 2024 5 min read
DOJ Fines Credit Union $6.5 Million in Redlining Settlement

DOJ Fines Credit Union $6.5 Million in Redlining Settlement

First-ever credit union DOJ redlining settlement shows that fair lending is a credit union challenge too.

Oct 15, 2024 4 min read
8 Red Flags Indicating Potential Fair Lending Risk

8 Red Flags Indicating Potential Fair Lending Risk

When assessing Fair Lending risk, it’s not just what your FI is doing, but what it’s not doing. These 8 red flags may indicate potential Fair Lending risk.

Sep 24, 2024 4 min read
Court Says CFPB Can Act Against Lenders that Disparage Prospective Applicants

Court Says CFPB Can Act Against Lenders that Disparage Prospective Applicants

CFPB fair lending authority increases with court ruling ECOA includes protections for prospective credit applicants. Learn how this impacts you.

Jul 25, 2024 4 min read
Fair Lending DOJ Referrals Up 175%: How Many Did Your Regulator Refer?

Fair Lending DOJ Referrals Up 175%: How Many Did Your Regulator Refer?

Find out which fair lending violations are leading to DOJ referrals for banks and credit unions – and how to protect your financial institution.

Jul 16, 2024 4 min read
Managing 1071 Costs

Managing 1071 Costs

Small business lenders worried about the high cost of Section 1071 implementation should consider the benefits of outsourcing.

Apr 23, 2024 2 min read
Credit Union Examiners to CEOs: Fair Lending Exams are Coming!

Credit Union Examiners to CEOs: Fair Lending Exams are Coming!

Credit unions need to pay attention to fair lending. Examiners will be – and the media is too. Here’s what you need to do.

Apr 2, 2024 3 min read
Fair Lending 2024: Top 7 Takeaways

Fair Lending 2024: Top 7 Takeaways

What does your financial institution need to understand about fair lending compliance in 2024? Let's revisit our January webinar and find out.

Feb 15, 2024 6 min read
Mapping and Fair Lending: How the Agencies Use Your HMDA Data

Mapping and Fair Lending: How the Agencies Use Your HMDA Data

The Agencies told us they use maps to prove redlining. Tell your HMDA compliance story visually with fair lending analytics mapping tools.

Feb 1, 2024 5 min read
DOJ Settles $9 Million Redlining Suit with Bank

DOJ Settles $9 Million Redlining Suit with Bank

How does your financial institution manage unintentional redlining? Regulators require data that demonstrates HDMA compliance.

Oct 4, 2023 5 min read
3 Things Compliance Officers Should Do to Prepare for an Exam

3 Things Compliance Officers Should Do to Prepare for an Exam

We'll share 3 actions the best compliance officers take, and 6 steps for Fair Lending exam prep. If you have an upcoming exam, you need to read this.

Sep 7, 2023 4 min read
Recent Trends in Fair Lending Compliance

Recent Trends in Fair Lending Compliance

The DOJ is bringing Fair Lending Lawsuits against financial institutions. Is your institution prepared? Read more about recent trends in fair lending compl…

Aug 22, 2023 5 min read
Inside the CFPB Fair Lending Report 2023

Inside the CFPB Fair Lending Report 2023

Find out the latest fair lending violations across the agencies and where they’ll be looking next as we share highlights of the CFPB Fair Lending Report.

Jul 26, 2023 4 min read
Section 1071 Data Collection: What Is “Reasonably Designed?”

Section 1071 Data Collection: What Is “Reasonably Designed?”

Ncontracts answers your questions about reasonably designed procedures for Section 1071 small business data collection procedures and timing

May 16, 2023 3 min read
Changing Census Tracts and the Impact on Your Fair Lending Analysis

Changing Census Tracts and the Impact on Your Fair Lending Analysis

Changes to census tracts from the 2020 census can impact your Community Reinvestment Act (CRA), redlining, and other fair lending analytics.

May 2, 2023 3 min read
Consumer Fair Lending Analysis - What's in a Name?

Consumer Fair Lending Analysis - What's in a Name?

Examiners are conducting Fair Lending comparative analysis using “surrogates” to assign gender and ethnicity.

Apr 27, 2023 2 min read
Redlining Enforcement in 2023 Already Cost Banks $40 million

Redlining Enforcement in 2023 Already Cost Banks $40 million

Redlining enforcement is heating up. Here are best practices to avoid and correct unintentional redlining.

Mar 20, 2023 3 min read
How to Tell Your HMDA Data Story

How to Tell Your HMDA Data Story

HMDA data story best practices – everything from data collection and analysis to board reporting

Mar 2, 2023 4 min read
1071 Update: Q&A with a Reg Expert

1071 Update: Q&A with a Reg Expert

Ncontracts 1071 expert answers frequently asked questions (FAQ) about 1071 (commercial HMDA)

Feb 22, 2023 4 min read
Regulatory Compliance in 2023: We Answer Your Top 5 Questions

Regulatory Compliance in 2023: We Answer Your Top 5 Questions

Regulatory compliance experts help you get exam ready and talk about the top 8 areas examiners will be looking at

Feb 2, 2023 4 min read
3½ Questions Before You Change Compliance Policy: Are You a Maverick?

3½ Questions Before You Change Compliance Policy: Are You a Maverick?

3.5 questions you should always ask before implementing any new regulatory compliance policy. Don't be a Maverick.

Nov 29, 2022 3 min read
Lending Compliance Q&A for Lenders

Lending Compliance Q&A for Lenders

Lenders are focused on bringing in and closing loans, but they are also responsible for compliance. Here are some Q&As to help stay focused and compliant.

Nov 3, 2022 3 min read
Are Your Written Lending Policies Keeping Pace with the Economic Environment?

Are Your Written Lending Policies Keeping Pace with the Economic Environment?

Banks, credit unions, and mortgage companies need to reassess lending policies, including fair lending, in an evolving economic environment

Oct 20, 2022 3 min read